I need to remove my visa from my apple iD

See what Eric Root said. And, for future reference, see: Create or use an Apple ID without a payment method https://support.apple.com/en-us/HT204034

If you can't remove your last payment method or use no payment method with your Apple ID https://support.apple.com/en-us/HT203905

Because you have an active subscription, you need to add a new credit card to the account and then make that card the primary payment method. You should then be able to remove the Visa card.

If you have an active subscription you can't remove the card. If you don't have a subscription, try the links donv posted.

I don’t want to put any credit card on this phone .. how can I remove my visa